My layout thoughts and construction work were engaged in 1982, so many of today's products were not available, and I was not interested in too much "rivet counting". I like what I have and realize how fortunate I am to have my space and trains, but am quick to say that I wish I had done a more thorough job of wiring everything. Things run well, but I have a mess whenever I need to go under the layout for repair/additions or utilization of that storage space.
I totally related to what you say, hold*on. Like you, trains run fairly well on my layout and, by some miracle, I have rarely, if ever, have a short circuit, but my wiring is my own concoction. It is very logical, but if I did it over, I would color code all the wiring, and do it with half as many wires that I currently have under the train table.
The wires under my layout are a mess, and look like a rat's nest. However, I did certain things well, including using 14 gauge wires to lock-ons every few feet of track.
Aa far as crawling under the plywood train tables (usually to deal with derailments), I have a way to put a positive spin on it. Whenever I crawl under the tables, I think of it as my model railroad yoga (LOL). That is because I contort my body in various positions bending, stretching, reaching, crawling and ducking under, when I do so. Arnold